Do you know what your credit report looks like on all three of the credit reporting agencies? If not, you should-even if you are sure you have good credit. Mistakes are made all the time and there could be something derogatory there you are not aware of.
While there are a lot of websites that claim to give you a free credit report, most have other motives and will ultimately cost you money. This is only one REAL place to see your credit reports with no strings attached. (To see your actual credit score(s), you’ll still have to pay one or more of the three credit agencies).
AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies – Equifax, Experian and TransUnion.
AnnualCreditReport.com provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies in accordance with the Fair and Accurate Credit Transactions Act (FACT Act).
AnnualCreditReport.com offers consumers a fast and convenient way to request, view and print their credit reports in a secure Internet environment. They also provide options to request reports by telephone and by mail.
AnnualCreditReport.com is the only service authorized by Equifax, Experian and TransUnion for this purpose. The three nationwide consumer credit reporting companies have always encouraged consumers to regularly review their credit reports.
It is just good business to look at your credit report annually, especially if shopping for a car or getting a mortgage.